Insurance regulator IRDAI has proposed some very important changes with respect to the inclusions and exclusions in a health policy. These draft norms make it mandatory for insurance companies to cover treatment cost arising from ailments relating to mental illness, depression puberty & menopause among others. The rules also lay down guidelines on covering pre-existing diseases. To understand the fine print of this very important move CNBC-TV18 spoke to B Subramanyam chief under writing officer at SBI General and Mahavir Chopra, director health & life at Coverfox Insurance Broking.